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    • Thanks for this! I'm still not clear if I'm facing more than 6 points on my license though. Can you explain any further please? When I accept the 2nd speeding ticket, will they just charge me £100 and 3 points, or will they be more severe concenquences since that offense took place the following day of the 1st offense? Similarly, when I accept the 3rd offense, will they look at my record or just charge me with the £100 fine and 3 points?
    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS had poll speculation FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
    • Please go back and read my message posted at 10:27 this morning @jk2054. I didn't say that I wasn't going to provide documents, only that I will upload them to an online repo that I am in control of, and that I would share links to these. You shall still be able to read and download them no different from if they were hosted here. And, the issue I have is not so much with hosting, but using an online pdf editor to create a multi-page pdf, again I have discussed this that same message.
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Jo v RBS


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Hello everyone,

 

I've filed my claim online with moneyclaim (I live in England) and T McL has written to me to say it's now being handled by their legal team (who have now acknowledged the claim).

 

I'm just thinking maybe I've done the wrong thing - I'm claiming a total of £2.1k including £500 odd interest (at 8%). Maybe I should have accepted their last offer of £1350 if they would have agreed to pay the £120 moneyclaim costs. I have rejected this offer but not sure whether it's too late to accept. I am feeling quite out of depth.

 

Any advice or comments would be most gratefully received - also does anyone know how long am I likely to have to wait for a court date?

 

Many thanks

Jo

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I'm about 2 weeks behind you, we've just had our offer and the wife is having the same dreads as you are...

 

The prevailing advice seems to be, stand your guns, it's YOUR money, all they are doing now is keeping it warm for you.

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Guest willowb

It's really daunting when you think about it....little old you taking on a financial institution with inexhaustable amounts of cash! BUT and yes! that is a big but (no comment please:mad: ) NO ONE (in this country at least) is above the law! when they charged you disproportionate fees they were breaking the law and they know it! it's up to us to get the money they took from us back, it's up to us to stand up to them and hopefully make changes......it's really up to us!

 

You can do it!!!;)

 

Wxx

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Jo,

 

just PM'd you, but like Willow says, STICK TO IT! Until they cough up, they are in the wrong, it is your money and how great would it make Christmas for you to have it all back?

 

BC:cool: (BC is back from afar!)xx

Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

Green On!

If the post/advice helps, pse click on the scales!! :cool:

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Thanks for the kind words guys -they've done the job, I'm back on track and going nowhere til I get my money.

 

My friend is a lawyer, before she left work to have kids last year she'd never lost a case against Cobbetts... she's dying to dust off her old suit and get back into court to represent me so I'm kind of hoping it gets that far!!

 

Thanks

Jo x

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  • 3 weeks later...

Hello all,

 

Got my Cobbetts defence pack this morning - all very exciting. Just a few questions:

1. Does anyone have a reply to CPR 18 request that I could adapt?

2. Some of the other threads refer to an allocation questionnaire which was in with the defence pack - I don't have this, only the defence and the CPR 18 request. What should I do?

 

Thank you so much for your help!

Jo x

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Try either or both of these for some very interesting cpr18 stuff, including sending your own cpr18 request to Cobbetts which for some reason they seem quite scared of!

 

http://www.consumeractiongroup.co.uk/forum/general/15172-reply-stock-defence-18-a.html

 

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/32948-cpr-18-requests-costs.html

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I have actually worked in banks for several years now - needless to say that I have the same problems with them with my account. Given the enormous amount of publicity surrounding bank-charge reclaims/ OFT/ FSA etc it'd be a really good idea to change your username and disclose as few details as possible as at some point i'm sure their enterprise risk departments will read all these threads..........

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